The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,445
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$773/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$740/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$927/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,634
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$888/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,081/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,582
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,036/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,001
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,370
−HK$1,390/mo
Today · 4.125%
HK$46,760
baseline
▲ 0.50% · 4.625%
HK$49,606
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,520/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,264
−HK$1,331/mo
Today · 4.125%
HK$51,595
baseline
▲ 0.50% · 4.625%
HK$54,315
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,190/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,012 · Scale 2, in force from 26 Feb 2026)